If you are over the age of 74, we urge you to complete a medical questionnaire in order to obtain the most comprehensive coverage possible. Should you be under 84 and choose not to complete the medical questionnaire, you would be travelling without any coverage for your pre-existing condition(s). If you are over the age of 84, you must complete a medical questionnaire in order to obtain coverage.

2)

Yes, if condition(s) has been stable for 90 days before the effective date of the coverage.

3)

If travelling within your province or territory of residence, your trip must be more than 500 kilometres by car or 100 kilometres by air, train or bus, from your home.

4)

Under the Multi-Trip Annual Package Coverage option, all MAXIMUM SUMS PAYABLE and PRINCIPAL SUMS are per trip.

5)

Yes, up to the sum for which you are insured. If applicable, under the Multi-Trip Annual Package Coverage option, the Before Departure sum insured is $1,500 per trip to a maximum amount payable of $10,000 per year.

6)

Yes, up to the amount you are insured for Trip Cancellation-Before Departure.

7)

This insurance is subject to a maximum of $20,000 if you do not have valid government health insurance plan coverage in force for the full length of your trip.

8)

The maximum for any one item or set of items is $500.

9)

You are entitled to a maximum of the largest amount specified for one of these benefits: death, double dismemberment, loss of sight in both eyes, or complete and irrevocable loss of speech or hearing.